Applying for NSP is a simple four step process:
Step One | Application
The first step is to complete the Rockdale County Homeownership Application. All applications remain on file through the end of the program. Applicants receive priority based of the date of application and not the date of eligibility. Applicants are encourage to apply early due to high demand for Rockdale NSP homes. COMPLETE HOMEOWNERSHIP APPLICATION ONLINE, to start the NSP purchase process.
Print and complete the application and return. For assistance with the application, contact firstname.lastname@example.org or at 770-278-7141 or 678-710-2000.
Step Two | Financing
NSP homebuyers are responsible for securing financing for the NSP home. The program will only provide down payment assistance and closing cost contributions. A suggested lender's list is available upon request.
Bank/Mortgage Home Loan Financing
Bank/Mortgage Home Loan Financing Update
Applicants will be deemed eligible once all the required documentation from steps one and two is received and processed. Applicants may be deemed eligible at any time and documentation is accepted on a continual basis or until applicants are deemed eligible. Applicants deemed eligible may receive updated information regarding newly listed properties that are available for sale. Applicants will remain on the program eligibility list until program completion.
As part of the NSP, all clients must become pre-qualified for a mortgage. To that end, we suggest that you use one of the lenders listed below to assist in this process. These lenders have approved our program and are familiar with our program’s requirements and processes. However, if you are pre-qualified through another lender, or wish to use a lender that is not listed below, please have your lender contact our office. Due to the second mortgage our program offers, we must ensure that a lender is able to underwrite mortgages with our terms and conditions. Your lender must review and approve our promissory note, lender agreement, and become familiar with our requirements and processes in order for you to continue with our eligibility process.
ROC SUGGESTED LENDERS*
SouthPoint Financial Services, Inc.
Shelly El-Fil Mortgage, Loan Officer
5955 Shiloh Rd. Ste. 200 Alpharetta, GA 30005
Billie Boyd-Cox, Senior Mortgage Consultant
1108 Clark Street Covington Ga 30014
Mortgage Loan Officer
4319 Covington HWY, Ste. 317
Decatur, GA 30035
Direct: 404.694.5053 | Office: 404.288.5585
Wells Fargo Home Loans As of October 2011, Wells Fargo Home Loans is approved to originate first mortgages for Rockdale County NSP. Please contact a local Wells Fargo mortgage representative.
*Disclosure: Each potential NSP recipient shall maintain free will in the decision of choosing a lender for financing from any specific lender on this document. It is not limited to the lenders whom appear on this list and is the sole decision of the client to establish financing agreements. Additionally, participants may seek financing from local banking institutions.
Step Three | Counseling & Education
Rockdale County NSP requires completion of an eight-hour homebuyer education session from a HUD certified agency. Six hours are conducted in a group setting and a two-hour individual counseling session. Please contact one of the HUD certified counseling agencies to register. At registration, identify your intent to participate in the Rockdale program.
Step Four | Home Selection/Contract/Closing
Select a home from the Rockdale County NSP's (click) available inventory list and MAKE AN OFFER!
Closed on your home? Tell us your thoughts by completing a satisfaction survey!
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